Taulia

What Taulia does

Taulia (now operating as SAP Taulia) is a cloud-based supply chain finance and working capital management platform founded in 2009 and headquartered in San Francisco. The company serves large enterprise buyers and their supplier networks by enabling dynamic discounting, supply chain finance, virtual card payments, receivables financing, and inventory finance through a single integrated platform. The architecture combines payables, receivables, and inventory modules with a multi-funder model that allows multiple banks and non-bank financial institutions to compete for early-payment pricing on the same platform. Taulia operates in 129 countries, supports 10,854+ active suppliers, and has facilitated over $50B in cumulative funding, with $32B funded in 2024 alone against $679B in accessible trade.

The platform integrates natively with SAP ERP, SAP S/4HANA, and SAP Business Network, and is also ERP-agnostic for Oracle and other systems. Following SAP's acquisition of a majority stake in January 2022 and the 2025 rebrand to SAP Taulia, the company's solutions are co-sold through SAP's global sales force and the SAP Store, leveraging SAP's distribution footprint of 400,000+ enterprise customers. Revenue is generated via enterprise buyer subscriptions/license fees (quote-based, not publicly disclosed) plus transaction-related fees on early payment volume, with the platform offered free of charge to suppliers to drive adoption. The company employs 500+ working capital experts globally and has built an AI layer (Working Capital Agent with SAP Joule, predictive cash flow models, Intelligent Terms Negotiations) on top of Google Cloud infrastructure to differentiate on automation and insight generation.

Name

Taulia

Legal name

Taulia LLC

Website

https://taulia.com

Company type

Private

Founded year

2009

Operating status

Operating

Headcount range

101–250 employees

Short description

Taulia (SAP Taulia) is a cloud-based supply chain finance and working capital management platform that helps large enterprise buyers and their suppliers optimize cash flow via dynamic discounting, supply chain finance, virtual cards, and AI-driven analytics across 129 countries.

Ownership category

akta.pro rank

Product category

Working Capital Management Software

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232), Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320)

SIC

Functions Related To Depository Banking, Nec (6099)

akta.pro primary industry

SME Trade Finance & Working Capital (LCs, Guarantees, Receivables) (FSABABAF)

akta.pro secondary industry

Tokenization, Network Vaults & Credential Management (FSAGABAF)

Keywords

• Supply chain finance
• Working capital management
• Dynamic discounting
• Virtual card payments
• Invoice management

Headquarters

HQ city

San Francisco

HQ country

United States

HQ region

North America

Offices3 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

Technology or R&D, Personnel, Marketing or Sales, Operations, Infrastructure

Revenue model

1. Platform / Subscription Fees: Buyers (corporate enterprises) pay platform subscription or licensing fees for access to the supply chain finance and dynamic discounting platform.
2. Transaction / Early Payment Fees: Transaction fees and revenue share on the early payment amounts processed through the platform. Suppliers receive early payment; fees are typically absorbed by buyers or shared.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels6 records

Core offering

Taulia provides a SaaS platform for working capital management that connects large enterprise buyers with their suppliers to optimize cash flow. Its offerings include supply chain finance, dynamic discounting, virtual card payments, receivables solutions, and inventory financing, designed to help enterprises unlock liquidity trapped in their supply chains. The platform is free for suppliers and monetizes via transaction and platform fees paid by enterprise buyers.

Product overview

SAP Taulia offers a platform-plus-modules architecture centered on its Cash Flow Acceleration Platform, which provides comprehensive working capital management through three core modules: Payables (Supply Chain Finance, Dynamic Discounting, Virtual Cards), Receivables (AR financing including Finance for Small Businesses), and Inventory. The platform is complemented by AI-powered features including the Working Capital Agent, Intelligent Terms Negotiations, and Extended Flow with Payables. Key enabling capabilities include Multifunder (diversified funding network), Cash Analytics (AI-powered insights), Supplier Management, and Flexible Funding (combining Dynamic Discounting and Supply Chain Finance). For enterprises, specialized solutions cover Working Capital Improvement, Supply Chain Resilience, and Sustainable Supplier Finance. The platform integrates natively with SAP ERP and S/4HANA while supporting Oracle and other ERPs, and connects to Mastercard In Control and Visa Payables Automation networks for virtual card payments.

Differentiator

Problem solved

Functional benefit

Products and services

• Supply Chain Finance
• Dynamic Discounting
• Virtual Cards
• Receivables
• Inventory Finance
• Working Capital Agent (AI)

Quantifiable outcome

• 30.4 days earlier supplier payment on average
• +3 more outcomes

Named customers19 records

Segments4 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration9 records

AI capability5 records

Feature5 records

Partnerships

Five partnerships are on record, tiered core and flagship.

• GooglecoreTechnology or Integration · 1 June 2024Taulia integrated Google Cloud's AI capabilities to power its Cash Flow Acceleration Platform. The collaboration focuses on AI-powered invoicing and prediction models for working capital optimization. Google Cloud provides the AI infrastructure supporting Taulia's Working Capital Agent and cash flow forecasting capabilities.
• SAPflagshipOthers · 1 April 2022SAP acquired Taulia in April 2022. Taulia operates as a subsidiary within the SAP Business Network division, with deep integration into SAP S/4HANA and SAP Business Technology Platform. This is a parent-subsidiary relationship, not a commercial partnership. Taulia's solutions are co-sold through SAP's global sales organization and are available on the SAP Store.
• VisacoreTechnology or IntegrationVisa Virtual Card payment integration enables buyers to pay suppliers via virtual card, extending buyer float while ensuring suppliers receive guaranteed early payment. The virtual card solution is embedded within Taulia's platform for seamless B2B payment processing.
• MastercardcoreTechnology or IntegrationMastercard virtual card integration enables B2B payments through Taulia's platform. Virtual cards are issued for approved invoices, allowing suppliers to receive early payment while buyers extend their payment terms. Mastercard's payment network powers the card authorization and settlement process.
• MastercardcoreTechnology or IntegrationContinued virtual card partnership with Mastercard to enable early supplier payments through card-based B2B transactions on Taulia's platform.

Scale indicators8 records

Recent moves8 records

Expansion highlights6 records

Direct peers

• C2FO: C2FO operates a global marketplace for dynamic discounting and early payment, directly competing with Taulia's Dynamic Discounting and Supply Chain Finance products across enterprise buyers and suppliers.
• PrimeRevenue: PrimeRevenue is a long-standing supply chain finance platform serving large enterprise buyers and suppliers, with deep overlap to Taulia's SCF and multi-funder program offerings.
• Demica: Demica provides a cloud-based supply chain finance and receivables platform for banks and corporates, directly competing in the SCF technology layer that Taulia sells to enterprise buyers and funders.

Emerging players

• HighRadius: HighRadius is an AI-powered order-to-cash and treasury automation platform that overlaps with Taulia's Receivables and Cash Analytics offerings, increasingly competing for the same enterprise treasury and AR teams.
• Billtrust: Billtrust provides accounts receivable automation and B2B payment networks, partially overlapping with Taulia's Receivables and Virtual Cards modules within mid-market and enterprise customers.
• Trovata: Trovata is an AI-native cash management and treasury analytics platform serving enterprise CFOs, competing with Taulia's Cash Analytics and Working Capital Agent on visibility and forecasting.

Broad incumbents

• Kyriba: Kyriba is a cloud treasury management platform that competes in adjacent working capital and cash visibility categories, often sharing the same enterprise CFO/treasury buyer as Taulia.
• Greensill Capital: Greensill was once a major SCF and reverse-factoring competitor before its 2021 collapse; it defined the same working capital category Taulia serves, and several former Greensill executives now work at Taulia.
• SAP Ariba: SAP Ariba is the procurement and supplier network sibling within SAP, providing invoice and supplier data that Taulia's working capital platform sits on top of — a partial substitute rather than a pure competitor.
• Oracle Fusion Cloud ERP (Financials): Oracle's ERP suite increasingly embeds supply chain finance and treasury functionality that overlaps with Taulia's offering for enterprises running Oracle Cloud ERP rather than SAP.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/taulia
• Xx.com/taulia
• Facebookfacebook.com/TauliaInc

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds11 records

Investors23 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A1 record

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Taulia